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Credit Karma® FAQ's

Credit Karma® FAQ's

Will constantly checking my credit score wind up hurting me in the long run?
How do I improve my credit score?
How much does it cost to enroll in Credit Karma?
What is a good credit score?
Is this safe?
Who does Credit Karma use to get my credit score?
I received a credit score from another service and it was different. Why is that?
What do I do if I want to dispute the score that is showing?

Will constantly checking my credit score wind up hurting me in the long run?

No, the score that Credit Karma shows is a soft pull on your credit and has no effect on your credit score.


How do I improve my credit score?

Paying down debt and building a history of on-time payments are a great way to get started building up your score. Checking your credit report for errors and making sure your debt-to-credit ratio is low can help have a positive impact on your credit score.


How much does it cost to enroll in Credit Karma?

This is a completely free service provided by the Credit Union. You can check your score as much as you like for free!


What is a good credit score?

A good credit score is generally considered to be 720 or higher. Improving your score can help save you hundreds – or even thousands – of dollars in interest on a mortgage or loan.


Is this safe?

Your Credit Union and Credit Karma are committed to your safety. With 128-bit encryption to secure personal information, we have some of the industry’s leading security precautions.


Who does Credit Karma use to get my credit score?

Credit Karma provides the score from TransUnion, which is one of the three main providers of credit scores. While your score may vary slightly from other providers, the Credit Union has agreed to honor all scores provided by Credit Karma.


I received a credit score from another service and it was different. Why is that?

Your credit scores can vary a bit due to differences in the credit scoring formulas being used. There are thousands of distinct credit scoring formulas used by creditors, lenders and insurers to evaluate your creditworthiness. These scores may evaluate your credit report differently in order to match the company’s specific lending guidelines. Consumer credit scores that you can purchase online use formulas that approximate the most common credit scoring algorithm. Don’t be surprised if your credit score from a creditor or lender is slightly different than the credit scores that you checked online. However, your Credit Union will honor whatever score is displayed within Credit Karma.


What do I do if I want to dispute the score that is showing?

In the case you think the score displayed is incorrect we recommend you take the following steps to review and possibly update your credit report.

  • Get your free credit report at www.annualcreditreport.com and verify all the information is accurate.
  • If there are errors, make a note of them and contact TransUnion at http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page to begin the dispute process.
  • Credit Karma® is a registered trademark of Credit Karma, Inc.